The Canadian Life and Health Insurance Association (CLHIA) outlines disability insurance as a type of coverage that provides protection against the chance of losing income if you become disabled and are not able to pay your expenses. They can typically replace up to a specified portion of your regular income. However, many people are unsure of how long long-term disability benefits can last.
Long-term disability benefits usually commence after the expiry of a waiting or qualifying period - often between four and six months in length. The period that long-term disability benefits are available will depend on the applicable insurance policy or plan that applies to you. Checking the specifics of your long-term disability insurance should give you the particulars of the length of your coverage.
The CLHIA has general guidelines for understanding long-term disability benefits, which include that LTD benefits are usually paid for up to two years if you are unable to perform your regular occupation and potentially, to age 65 if you're not able to work in any occupation. There are plans available that last beyond age 65, with a percentage paid up to age 65 and a lesser amount paid for the next five or ten years of life. To be sure about the limits of your policy, you will need to read it over for the specifics.
Most policies will have a rehabilitation clause that is designed to ease you back into working. In most cases, you are required to participate in program that are appropriate to aid in your recovery. After the two year period, if you are unable to return to your original occupancy, insurance providers will attempt to help you transition to work in a new role - whatever you can manage.
After that period of time, you may have to be disabled from performing any occupation for the benefits to continue - meaning that you must be unable to perform the tasks required by any occupation that you may be reasonably qualified for, or could become qualified for, in order to retain LTD benefits.
The deadlines that apply to long-term disability benefits, including transition from short-term disability status, are very important, and can derail your claim if they are not met. Waiting periods that are outlined by the insurance providers must be adhered to. Knowing these deadlines, and what is required to meet them is very important. All these details are outlined in your policy, and you should familiarize yourself with them to ensure that you are prepared to comply.
Length of payment for long-term disability benefits can vary from plan to plan, and will adhere to specifics as outlined by your insurance provider in the applicable policy. Knowledge of these specifics, paired with an overview of your current financial and health status, will give you the clearest picture of what is possible in the event that a disability occurs.
Has your disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a Disability Case. We have recently settled cases against The Co-operators, Sun Life, Manulife, Unum Canada and RBC Insurance.
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A note from our long term disability lawyers
Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.
If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.
Our Disability law firm knows what you have been going through
We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.
Our experienced disability lawyers can fight back on your behalf
Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.
If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.
Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.
In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.